Ụgwọ

Ụgwọ (Igbo for "debt" or "obligation") is a private way to track money you've lent and money you owe — without spreadsheets, screenshots, or awkward "did you forget?" conversations. Whether it's a friend borrowing rent money, a supplier you're paying back in installments, or a favor between family, Ụgwọ keeps a clear, permanent record of who owes what, and when it's due. WHY ỤGWỌ Every debt has two sides — Ụgwọ tracks both. Log money owed to you and money you owe in one place, see your net position at a glance, and never lose track of a due date again. KEY FEATURES - Log any IOU in seconds — amount, who it's with, when it's due - Automatic reminders before a debt comes due, plus gentle nudges for open-ended loans - Full repayment history for every debt, including partial payments - See your overall net position — what's owed to you, minus what you owe - Works completely offline — log a debt anywhere, sync when you're back online - Real-time sync across every device you own - Optional link to Akù, our personal finance app, so loans you log here show up automatically in your money picture there — one-way, opt-in, never required PRIVACY BY DESIGN Ụgwọ was built on one rule: nobody but you should be able to read your ledger — not us, not a data breach, nobody. Every debt and repayment is encrypted on your device before it ever leaves your phone (AES-256-GCM), and only you hold the key. Our servers store encrypted data they cannot read. No bank connections, no ads, no data sold to third parties. WHO IT'S FOR Anyone who lends or borrows money outside a bank — friends, family, small business owners tracking supplier credit, landlords tracking rent advances, or anyone tired of relying on memory to know who owes what. Owed. Remembered. Settled.